That’s the million-dollar (or $1,500) question, isn’t it? I’ve seen both sides play out with clients. One guy was all about the savings—upped his dedu...

From what I've seen, it really depends on the insurer. Some companies are pretty generous and extend discounts to immediate family members, especially...

Had a similar experience myself once—lent my car to a good buddy thinking it'd be fine, and he ended up rear-ending someone at a stoplight. Thankfully...

Couldn't agree more. Had a client a few years back who went with bare minimum coverage to save a few bucks each month. Seemed smart at first, until he...

Had a client once who moved literally two blocks over—same zip code, same driving record—and his premium jumped noticeably. Turns out he'd crossed int...

I've seen perks swing both ways. Had a client who got stranded out near Flagstaff, and that roadside assistance perk he almost dropped ended up saving...

Yeah, I hear ya. Had a client once who skipped accident forgiveness to save a few bucks, then got into a fender-bender just over deductible—ouch. It's...

I've never personally had footage overwritten, but a client of mine did once—he got rear-ended, and by the time he remembered to check, the loop had a...

Yeah, those calculators can be helpful as a starting point, but they're usually pretty optimistic. Adjusters almost always start low—it's part of thei...